Canopy Protect
Scam protection across all your accounts
With your consent, Canopy Protect checks your transactions every day, across every bank you use. When your scam risk rises, it tells you, your bank and your nominated Trusted Guardian, and a real person gets in touch.
You choose what to connect. You can disconnect at any time.
Who it’s for
For you, and the people you love
Protect yourself. Guard for someone you love. And help build a New Zealand solution to the scam problem.
01 Protect yourself
Scammers are good at what they do. Anyone can be targeted, however careful they are. Protect gives you a daily check across all your accounts, and a heads-up before a small payment becomes a big loss.
02 Stand guard for someone you love
Worried about Mum or Dad, or thinking ahead? With their consent, you can become their Trusted Guardian. If their risk rises, you’ll know, and you can step in with a conversation before a crisis. They stay in charge but you can stay in the loop.
03 Choose your own Trusted Guardian
Pick someone you trust to get a heads-up alongside you: a partner, a son or daughter, a close friend or your lawyer. They can be a second set of eyes, but won’t take over.
Launching on Pledge Me,
November 2026
Join the movement to eliminate fraud scams.
Why all your banks matters
Your bank only sees its accounts. Scammers see all of you.
Banks do important work to stop scams, but each one can only see the accounts you hold with it. A scam that moves money from one bank to another, spreads small payments across several accounts, and moves across different platforms like social media, can slip between them.
how it works
How Canopy Protect Works
Banks do important work to stop scams, but each one can only see the accounts you hold with it. A scam that moves money from one bank to another, spreads small payments across several accounts, and moves across different platforms like social media, can slip between them.
You connect, with your consent
Protect uses Open Banking, the secure, consent-based way to let an approved service read your bank information without sharing your password. You choose which accounts to connect.
We check daily
Every day, Protect analyses your transactions across all your connected accounts, looking for the patterns scams leave behind, such as a new payee, an unusual payment or a change in your normal rhythm.
Your scam risk, and the reasons
You can see your own scam risk score and what’s driving it.
If risk rises, we tell the right people
When your risk passes a threshold, Protect alerts you, your bank and your Trusted Guardian.
A real person gets in touch
Someone from the Protect team contacts you, explains what we’ve seen and talks it through with you, with no automated brush-off.
Social media signals
Romance and friendship scams often start on social media. If you choose, Protect can also look at your Facebook metadata, such as new friends and messages from people you don’t know. But, it will never reads your conversations.
how it works
Back Protect now with the option to get 1-year free
Canopy Protect is launching through PledgeMe. Here’s what a pledge gets you:
100 shares in the company
100 shares in the company for every $100 invested, plus the option to become a Friend of Totara with 12-months of access to the platform for no extra investment.
12-Months Canopy Protect Subscription
All investors on Pledge Me who opt-in to Friends of Canopy receive a 12-month Canopy Protect subscription for one person. Use it yourself, or give it to someone you want to protect.
First Access
Friends of Tōtara will use Protect in early 2027, before the New Zealand launch, and help us make it better.
Back us on PledgeMe
Back the future of financial crime prevention.
Tōtara Canopy is launching on PledgeMe. Join the movement to make financial systems fundamentally safer — for everyone.